| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BINNEY CHASE AND VAN HORNE3 | 11 WEST DEL MAR, SUITE 200 PASADENA, CA 91105 | AETNA HEALTH, INC. | $53K | — | $53K | 2.54% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA HEALTH, INC. | $32K | — | $32K | 1.54% |
| BINNEY CHASE AND VAN HORNE3 | 600 S. LAKE AVE., SUITE 306 PASADENA, CA 91106 | AETNA HEALTH, INC. | $17K | — | $17K | 0.82% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ARROYO INSURANCE SERVIES | 11 WEST DEL MAR BLVD., SUITE 200 PASADENA, CA 911052505 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 6.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 3.63% |
| BINNEY CHASE AND VAN HORNE3 | 11 WEST DEL MAR, SUITE 200 PASADENA, CA 91105 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.30% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.46% |
| BINNEY CHASE AND VAN HORNE3 | 600 S. LAKE AVE., SUITE 306 PASADENA, CA 91106 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.08% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ARROYO INSURANCE SERVIES | 11 WEST DEL MAR BLVD., SUITE 200 PASADENA, CA 911052505 | UDC DENTAL OF CALIFORNIA, INC. | $2K | — | $2K | 6.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UDC DENTAL OF CALIFORNIA, INC. | $2K | — | $2K | 4.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 301 | $2.2M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 312 | $183K |
| Vision | UNION SECURITY INSURANCE COMPANY | 312 | $144K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 312 | $144K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 301 | $2.2M |
| Other | UNION SECURITY INSURANCE COMPANY | 312 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.